Up to 18 months
Keeping Your Current Coverage for up to 18 Months
COBRA coverage is the same group health coverage you had through your last employer. Though your coverage stays the same, the amount you’ll pay for COBRA is higher since your employer no longer shares the monthly cost.
COBRA coverage usually lasts 18 months. But in some cases, it can be extended to 36 months. Also keep in mind that COBRA rules are strict. You’ll need to follow all deadlines to keep your COBRA eligibility. If you have questions about COBRA or how to apply, call your last employer’s benefits manager or COBRA administrator. Your COBRA administrator may not be the same person as your benefits manager.
Choose COBRA coverage if you:
- Want to stay with your current doctors or specialists
- Are pregnant or may become pregnant in the next 18 months
- Have a chronic health issue
- Have surgery scheduled
- Regularly fill prescriptions
- Received a denial after applying for private insurance
In the past, if you had a pre-existing condition, you may have had trouble getting insurance other than COBRA. With the Affordable Care Act, you can buy longer-term health insurance with a pre-existing condition.
To learn about your options, call our Licensed Blue Cross and Blue Shield Agents at 888-909-9987.
Compare Your Options
|Short-Term Health Insurance Plans||Longer-Term Health Insurance Plans||COBRA|
|Coverage length||1-11 months||12+ months||Up to 18 months (or 36 months in rare cases)|
|Coverage level||Basic||Major||See your COBRA notice2|
|Option to buy dental coverage||No||Yes||See your COBRA notice2|
|Preventive care||No||Yes||See your COBRA notice2|
|Prescription drug program||Yes (limited)1||Yes||See your COBRA notice2|
1See short-term insurance plan details for prescription drug program limits.
2The COBRA plan column shows information that’s typical of COBRA plans. Your COBRA notice will list the benefits you had with that coverage.
In addition to contacting your COBRA administrator and benefits manager, you can also contact these resources:
If you worked for:
State or Local Government
Department of Labor
1-877-267-2323, ext. 61565
Private company (non-government)
Department of Labor
Check with your spouse or partner to see if you can join his or her employer's health insurance plan. You must apply within 30 days of losing your coverage.
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